An overview of Bayberry's consulting offer in Banking and Payments

1. Banking and Payments
Consulting

2. If you are involved in
banking or payments, then
we can help your business to
stand out from the crowd. We
devise and execute ideas that
grow your business (and
disrupt your market).

3. Who We Help and the Problems We Solve
Credit Unions Retail Banks New Entrants Payments Firms
• Developing offerings that • Finding strategies to attract • Building disruptive • New product strategy for
respond to more and retain customers in the propositions for new emerging payments trends
sophisticated demands face of new competition approaches to daily
from members and increased financial services • Specialist advice on EMV,
competition • New retail models and true contactless, mobile
multi-channel offerings to • Differentiation through
• Delivering services that help to improve customer service simplification for • Global opportunities and
support your members’ service and build loyalty consumers local market strategies
daily financial needs and
that improve your personal • How to place your customer • Integrating loyalty and • Navigating Payments
lending business experience at the heart of a bank-as-a-retailer trends Regulation which is being
new business model to drive adopted across all regions
• Evaluating and modernizing product innovation and • How to get the most from an
IT systems to serve the revenue growth inexpensive channel mix • Acquiring, Issuing, and
needs of your business switching business
• Reaching out to • Leverage changing strategies
• Creating shared services Generation-Y regulation for market entry
amongst groups of credit
unions for economies of
scale and best practice

4. How we help you
We help you to devise and execute revenue-generating
consumer banking and payments strategies
1 2 3
Devise channel Create innovative Research and
strategies that help business models analyze new
you win and retain and compelling markets and
customers propositions technology trends
4 5 6
Make the right
Navigate the Devise new market
product and
regulatory entry and execution
technology
environment strategies
decisions

5. We know Banking & Payments
Areas of Expertise
We advise on the business and technology of channel delivery, retail banking
platforms, card issuing, payment acquiring, payment settlement systems, and specific
distribution channels including the Internet, Mobile, ATMs and kiosks, ePayments, Point
of Sale,, the call center and branch.
Our expertise includes important emerging payments technologies including EMV, dual
interface, contactless payments, virtual wallet and mobile.
Banking and Payments Innovation
Much of our work with clients involves creating and then delivering game-changing
industry firsts. These have included new payments business models and newly
regulated financial services businesses. So we understand the practical implications of
moving from good analysis and strategy to successful business realization.

6. Some of our ‘Firsts’ in banking and payments
Bayberry has been responsible for introducing a number of disruptive and
industry-changing innovations in banking and payments
✓ ✓ First company in Europe to
✓ Designed Europe’s first dual
Advised on the development successfully design and deliver payment card based international
and set up of UKs first multi- centralised payments (Current money transfer service for Europe’s
institutional central services Account and Debit Card) services largest independent POS network
banking platform for Credit Unions, launched at the now running as an independent
UK House of Commons in 2007 company
✓ ✓ ✓
Designed specification for the
first Hybrid prepaid debit card Designed the first real-time Advisor to Europe’s first
in the UK market including non-stand-in authorised Visa mobile-based NFC loyalty and
direct debit functionality Debit card in the UK payments network
✓ ✓ ✓
One of Industry’s earliest
Designed one of the first
Worked on the World’s first thought leaders in defining the
bank-based Internet
Secure Electronic Transaction concept of Integrated Channel
Payments Gateway’s in
(SET) payment with Visa Management
Europe

7. Why Choose Bayberry for your project?
1 Our experience and our record
Our team has spent more than 30 years implementing, selecting, assessing, marketing and defining commercial technology strategies
for financial services firms. We've been hired by world-leading Tier-1 firms. We have also won significant EU-wide tenders with
Government bodies.
2 Our independent outlook and strong contact network
We uses our knowledge and contacts in the global financial services sector to deliver valuable insight and business strategies to its client
companies. Based in Ireland, we are predisposed towards the challenges of working in different territories and gathering information to
get views on international markets. We’ve worked extensively in the Middle East, Africa, Asia Pacific, and Latin America as well as
Europe.
3 Our partners do at every work our projects. This means you know that our work is done by people who
Our principal partners are involved
the
step during
understand the brief, the strategy behind it, and the way the information will be used, leading to better results.
4 We’rerecommendations, and insights we provide arelike constructive and are often challenging. We pride ourselves on our
The advice,
independent and we
always
to challenge the status quo
independence, integrity and resourcefulness. We’re able to produce an independent view from multiple market sources that is
comprehensive and insightful.
5 We’re results-oriented
We’re not a big firm and we depend on our results. We win business on our reputation of delivering results that make a difference for our
clients – we understand the value of presenting data in a way that supports strategic decision-making. We can’t afford to have reports
gathering dust on your shelves. Consequently, we look for solutions that can be put into practice and encourage their delivery. We don’t
just advise, we help you to deliver. In the last decade, the majority of our work has been generated through repeat commission or referral.

8. About Bayberry
Bayberry is a business strategy and marketing consultancy. We help companies in the
financial services, High-tech, and B2B sectors to succeed in their chosen markets.
Who we We are driven by a passion for applying our learning to deliver and share in client
are success – a hallmark that distinguishes us in all our work.
We combine the best of thought leadership from the business strategy world with the
world-class skills in delivery and execution. Our team has backgrounds in high-tech
marketing, business strategy, programme delivery, and banking technology.
Why
We’re We help clients to grow their business. Ideas and innovation are at the heart of
Different everything we do. What makes us different is our focus on turning the ideas we create
into results for your company.
We devise and execute consumer banking and payments strategies for Retail Banks,
Financial Credit Unions, Payment Processors and new entrants. We combine business, market,
Services technical, and regulatory expertise to help you to create sustained innovation, deliver
technology change, and realize valuable market opportunities.
Expertise

9. Find out more at
bayberryconsult.com
About Bayberry Bayberry Consulting
Bayberry is a business strategy and Alexandra House, The Sweepstakes
consulting firm. We specialise in Ballsbridge
banking and payments, hi-tech and Dublin 4
B2B marketing, and company growth. Ireland
What makes us different is our focus Tel: + 353 1 2827103
on turning the ideas we create into www.bayberryconsult.com
results for your company. info@bayberryconsult.com
twitter: @bayberryconsult